Payments you own.
Every rail. Zero custody.
NGARi Pay is one checkout for cards, Bitcoin, Lightning, agent payments, and ACH — running on your own hardware. No middleman holds your money. No processor can freeze you. The keys are yours.
Cards
Visa, Mastercard, Amex, Apple Pay — interchange + $0.15, white-label.
Bitcoin
On-chain, self-custodial. Your keys, monitored over the open blockchain — no node, no custodian.
Lightning
Instant, near-zero-fee Bitcoin settlement (rolling out).
x402 Agents
HTTP 402 machine payments — your agents pay per request, autonomously.
ACH
Bank transfers at $0.50 per transaction.
Why sovereign payments
Runs on your hardware
The entire payment stack is self-hosted. No SaaS dependency, no per-seat tax, no data leaving your machine.
You hold the keys
Bitcoin settles directly to a wallet you control. Self-custodial by construction — not held by a processor.
Cryptographic receipts
Every settlement is signed and verifiable — a permanent, tamper-evident audit trail you can prove.
Agent-ready
Native x402 support and spending policies let your AI agents transact on their own, within your limits.
See it live
Generate a real, self-custodial Bitcoin receiving address — derived on this machine from our own keys, monitored over the open blockchain. No custodian. No third party.
The only stack that does it all
| NGARi Pay | Stripe | BTCPay | Coinbase | |
|---|---|---|---|---|
| Card rails | ✓ | ✓ | — | — |
| Bitcoin + Lightning | ✓ | — | ✓ | — |
| Agent payments (x402) | ✓ | — | — | ✓ |
| Self-hosted / sovereign | ✓ | — | ✓ | — |
| You hold the keys | ✓ | — | ✓ | — |
| One unified checkout | ✓ | ✓ | — | — |
Bring sovereign payments to your business.
Cards, crypto, and agent payments — one checkout you own. Request early access.
Building something custom? Talk to us.